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I.

RANKING CARTERA DE CREDITOS POR TIPO
30/06/2013
TIPOS DE CRÉDITOS

Número
Préstamos

Saldo Cap. y Part. % Cartera del:
MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Interés Banco y Total BM
Mn
Me
Mn
Me

Microcrédito Individual

Reservas
Scotia
ADEMI
BHD
Bancamerica
Caribe
Popular
Total Todos los Bancos

3,764
16,758
59,913
70
189
942
115
81,751

3,260.9
1,378.1
1,288.7
436.9
126.6
7.5
5.4
6,504.1

1.9%
3.9%
12.7%
0.6%
7.8%
0.2%
0.0%
1.2%

50.1%
21.2%
19.8%
6.7%
1.9%
0.1%
0.1%
100.0%

3,260.9
1,378.1
1,288.3
436.9
112.9
7.5
5.4
6,489.8

100.0%
100.0%
100.0%
100.0%
89.1%
100.0%
100.0%
99.8%

0.0
0.0
0.5
0.0
13.8
0.0
0.0
14.2

10.82
41.80
41.13
9.00
20.14
45.50
34.52

0.00
0.00
11.25
0.00
9.23
0.00
0.00
23.51

Fuente: Datos tomados del Portal de la Superintendencia de Bancos www.sb.gov.do y procesados en base datos Access de José Alfredo Guerrero.
30/06/2013 Tasa Cambio: 41.793

martes, 13 de agosto de 2013

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Page 1 of 1

9.29

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

MN

81,751

6,504.1

81,740

6,489.8

99.8%

23.5

3,764

3,260.9

3,764

3,260.9

100.0%

549

332.4

549

332.4

100.0%

EL SEIBO

12

22.2

12

22.2

100.0%

HATO MAYOR

17

12.7

17

12.7

100.0%

195

115.0

195

115.0

100.0%

94

83.3

94

83.3

100.0%

231

99.2

231

99.2

100.0%

1,129

1,534.8

1,129

1,534.8

100.0%

DISTRITO NACIONAL

513

1,244.1

513

1,244.1

100.0%

SANTO DOMINGO

616

290.7

616

290.7

100.0%

1,515

1,124.5

1,515

1,124.5

100.0%

DAJABON

22

15.4

22

15.4

100.0%

DUARTE

132

109.9

132

109.9

100.0%

ESPAILLAT

121

66.7

121

66.7

100.0%

HERMANAS MIRABAL

12

11.4

12

11.4

100.0%

LA VEGA

82

104.2

82

104.2

100.0%

117

74.7

117

74.7

100.0%

MONSEÑOR NOUEL

72

33.2

72

33.2

100.0%

MONTE CRISTI

14

14.8

14

14.8

100.0%

PUERTO PLATA

275

91.2

275

91.2

100.0%

SAMANA

3

2.8

3

2.8

100.0%

SANCHEZ RAMIREZ

3

2.1

3

2.1

100.0%

523

530.6

523

530.6

100.0%

28

14.8

28

14.8

100.0%

111

52.8

111

52.8

100.0%

10.8
12.7
9.0
9.0
14.5
10.5
13.8
9.9
9.1
13.4
11.1
8.9
11.4
12.4
11.1
10.2
11.2
15.5
8.4
13.7
9.0
11.3
10.6
9.1
9.8

TOTAL BANCOS
Reservas
Región Este

LA ALTAGRACIA
LA ROMANA
SAN PEDRO DE MACORIS
Región Metropolitana

Región Norte

MARIA TRINIDAD SANCHEZ

SANTIAGO
SANTIAGO RODRIGUEZ
VALVERDE
martes, 13 de agosto de 2013

ME

9.3

% Cartera x Clasificación de Riesgo
A

B

C

D

E

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

82

8

4

3

3

313.7

4.8%

774.2 11.9%

300.2

82
86
100
100
76
96
84
84
84
83
76
100
97
94
98
46
90
89
98
90
100
100
66
100
95

9
3
0

4
2

1
1

3

150.1

4.6%

421.3

12.9%

157.4

8

32.5

9.8%

61.7

18.6%

17.6

0.0

0.0%

0.0

0.0%

0.2

0.0

0.0%

0.0

0.0%

0.1

14

21.0

18.3%

44.5

38.7%

7.1

3

2.9

3.4%

15.1

18.1%

2.0

6

8.6

8.7%

2.1

2.1%

8.2

3

61.4

4.0%

161.8

10.5%

66.0

2

30.0

2.4%

79.4

6.4%

38.0

8

31.4

10.8%

82.4

28.3%

28.0

3

40.5

3.6%

169.6

15.1%

58.6

0.0

0.0%

0.0

0.0%

0.2

1

2.3

2.1%

24.9

22.6%

2.4

4

3.4

5.1%

10.7

16.1%

3.6

2

0.2

2.2%

5.1

44.9%

0.3

3

3.1

3.0%

11.0

10.5%

3.4

6

5.2

6.9%

15.4

20.6%

5.1

0

3.0

9.1%

17.8

53.4%

0.9

2

0.3

1.8%

6.6

44.6%

0.4

4

5.3

5.8%

20.0

22.0%

4.8

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

1.6

75.9%

0.0

16.0

3.0%

34.3

6.5%

35.4

0.0

0.0%

5.3

36.1%

0.1

1.7

3.2%

17.0

32.1%

1.9

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3
0
5
11
13
3
10
0
1
48
2
2
2

11
0

4
0
3
1
1
4
10
1
1
3
2
1
3

19
2

3
0
1
1
0
3
1
1
1

8
1

1
1

3
2

Page 1 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Región Sur

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

571

269.3

571

269.3

100.0%

16

19.2

16

19.2

100.0%

BAHORUCO

9

11.0

9

11.0

100.0%

BARAHONA

10

6.2

10

6.2

100.0%

ELIAS PIÑA

6

1.8

6

1.8

100.0%

PERAVIA

137

58.2

137

58.2

100.0%

SAN CRISTOBAL

194

85.9

194

85.9

100.0%

28

29.9

28

29.9

100.0%

171

57.1

171

57.1

100.0%

AZUA

SAN JOSE DE OCOA
SAN JUAN

martes, 13 de agosto de 2013

MN

12.6
9.0
8.7
11.5
17.2
11.5
14.8
9.1
13.9

ME

% Cartera x Clasificación de Riesgo
A

B

91 2
100
100
92 8
57 21
96 1
83 3
100
89 3

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C

D

2

E

1

3

1
2
0

Provisiones
Requeridas

15.8

5.9%

28.2

10.5%

15.2

0.0

0.0%

0.8

4.2%

0.2

0.0

0.0%

1.0

9.1%

0.2

0.0

0.0%

0.0

0.0%

0.1

0.1

5.1%

0.0

0.0%

0.1

2

1.5

2.6%

5.8

10.0%

1.8

11

10.8

12.5%

12.6

14.6%

9.3

0.0

0.0%

1.1

3.6%

0.3

3.4

6.0%

6.9

12.2%

3.3

5
0

22
1
2

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

4

Page 2 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Popular

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

115

5.4

115

5.4

100.0%

13

0.7

13

0.7

100.0%

LA ALTAGRACIA

9

0.5

9

0.5

100.0%

LA ROMANA

3

0.1

3

0.1

100.0%

SAN PEDRO DE MACORIS

1

0.1

1

0.1

100.0%

54

2.5

54

2.5

100.0%

DISTRITO NACIONAL

32

1.3

32

1.3

100.0%

SANTO DOMINGO

22

1.2

22

1.2

100.0%

37

1.7

37

1.7

100.0%

DUARTE

3

0.2

3

0.2

100.0%

ESPAILLAT

3

0.2

3

0.2

100.0%

LA VEGA

2

0.0

2

0.0

100.0%

MARIA TRINIDAD SANCHEZ

1

0.1

1

0.1

100.0%

PUERTO PLATA

4

0.1

4

0.1

100.0%

SAMANA

2

0.2

2

0.2

100.0%

SANCHEZ RAMIREZ

2

0.1

2

0.1

100.0%

SANTIAGO

16

0.7

16

0.7

100.0%

VALVERDE

4

0.1

4

0.1

100.0%

Región Sur

11

0.6

11

0.6

100.0%

BARAHONA

2

0.1

2

0.1

100.0%

ELIAS PIÑA

1

0.1

1

0.1

100.0%

PERAVIA

1

0.1

1

0.1

100.0%

SAN CRISTOBAL

1

0.1

1

0.1

100.0%

SAN JOSE DE OCOA

3

0.1

3

0.1

100.0%

SAN JUAN

3

0.2

3

0.2

100.0%

Región Este

Región Metropolitana

Región Norte

martes, 13 de agosto de 2013

MN

34.5
24.6
26.2
18.0
24.0
41.6
43.2
39.8
30.3
43.3
18.4
80.6
19.0
40.0
20.6
27.0
26.2
56.0
28.0
21.0
19.0
22.0
19.0
90.0
21.1

ME

% Cartera x Clasificación de Riesgo
A

B

87 4
100
100
100
100
81 4
80 4
82 5
92 3
65 35
100
100

C

D

4

5
1
9
5

100

100
100
100
100
100
88 5
72 28
100
100
100
100
82

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7

18

E

3

6
7
5

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

0.4

6.5%

0.0

0.4%

0.3

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

4

0.3

14.1%

0.0

0.9%

0.2

8

0.2

14.6%

0.0

0.0%

0.2

0.2

13.5%

0.0

1.9%

0.1

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.6%

0.0

0.0%

0.0

0.0

3.2%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.0

2

Page 3 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

BHD

70

436.9

70

436.9

100.0%

Región Metropolitana

60

393.0

60

393.0

100.0%

53

335.4

53

335.4

100.0%

7

57.6

7

57.6

100.0%

9

20.8

9

20.8

100.0%

DUARTE

2

5.3

2

5.3

100.0%

ESPAILLAT

2

2.5

2

2.5

100.0%

LA VEGA

2

4.0

2

4.0

100.0%

MONSEÑOR NOUEL

2

6.1

2

6.1

100.0%

SANTIAGO

1

2.9

1

2.9

100.0%

1

23.1

1

23.1

100.0%

1

23.1

1

23.1

100.0%

DISTRITO NACIONAL
SANTO DOMINGO
Región Norte

Región Sur
SAN CRISTOBAL

martes, 13 de agosto de 2013

MN

9.0
9.0
9.0
9.0
9.0
9.0
9.0
9.0
9.0
9.0
9.0
9.0

ME

% Cartera x Clasificación de Riesgo
A

B

C

D

35
34
31
55
87
100
100
75
74
100

33
36
41
9
8

15
16
13
37
5

17
13
16

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25

26
100
100

E

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

0.0

0.0%

282.3

64.6%

6.3

0.0

0.0%

257.7

65.6%

5.7

0.0

0.0%

213.0

63.5%

5.1

0.0

0.0%

44.7

77.6%

0.6

0.0

0.0%

1.6

7.7%

0.4

0.0

0.0%

0.0

0.0%

0.1

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0%

0.2

0.0

0.0%

1.6

26.2%

0.1

0.0

0.0%

0.0

0.0%

0.0

0.0

0.0%

23.0

99.8%

0.2

0.0

0.0%

23.0

99.8%

0.2

Page 4 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

Scotia

16,758

1,378.1

16,758

1,378.1

100.0%

Región Metropolitana

16,757

1,378.1

16,757

1,378.1

100.0%

16,757

1,378.1

16,757

1,378.1

100.0%

Región Norte

1

0.0

1

0.0

100.0%

PUERTO PLATA

1

0.0

1

0.0

100.0%

DISTRITO NACIONAL

martes, 13 de agosto de 2013

MN

41.8
41.8
41.8
#####
100.0

ME

% Cartera x Clasificación de Riesgo
A

91
91
91
100
100

www.scribd.com/JoseAlfredoGuerreroB

B

2
2
2

C

D

2
2
2

E

3
3
3

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

1

49.2

3.6%

14.6

1.1%

47.5

1

49.2

3.6%

14.6

1.1%

47.5

1

49.2

3.6%

14.6

1.1%

47.5

0.0 100.0%

0.0

0.0%

0.0

0.0 100.0%

0.0

0.0%

0.0

Page 5 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

Caribe

942

7.5

942

7.5

100.0%

Región Metropolitana

942

7.5

942

7.5

100.0%

DISTRITO NACIONAL

269

2.3

269

2.3

100.0%

SANTO DOMINGO

673

5.2

673

5.2

100.0%

martes, 13 de agosto de 2013

MN

45.5
45.5
45.1
45.7

ME

% Cartera x Clasificación de Riesgo
A

70
70
61
74

www.scribd.com/JoseAlfredoGuerreroB

B

5
5
4
5

C

D

7
7
9
6

E

6
6
7
5

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

13

1.8

24.5%

0.0

0.0%

1.3

13

1.8

24.5%

0.0

0.0%

1.3

19

0.8

34.2%

0.0

0.0%

0.6

10

1.0

20.2%

0.0

0.0%

0.7

Page 6 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

Bancamerica

189

126.6

187

112.9

89.1%

Región Metropolitana

124

101.4

122

87.7

86.4%

DISTRITO NACIONAL

98

85.0

96

71.3

83.8%

SANTO DOMINGO

26

16.4

26

16.4

100.0%

Región Sur

65

25.2

65

25.2

100.0%

BAHORUCO

14

5.6

14

5.6

100.0%

BARAHONA

51

19.7

51

19.7

100.0%

martes, 13 de agosto de 2013

MN

20.1
20.5
20.9
18.7
18.9
23.2
17.6

ME

9.2
9.2
9.2

% Cartera x Clasificación de Riesgo
A

B

79 9
77 10
73 12
98 0
88 2
68 1
94 2

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C

D

5
6
6
2
4
5

E

3
1
2
7
31

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

5

12.4

9.8%

49.8

39.3%

4.7

6

9.8

9.6%

33.0

32.6%

3.9

7

9.5

11.1%

23.6

27.7%

3.7

0.3

1.8%

9.5

57.6%

0.2

2.6

10.3%

16.8

66.5%

0.7

1.7

31.3%

3.4

61.1%

0.5

0.9

4.4%

13.4

68.0%

0.2

0
0

Page 7 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Número

Monto

Monto

% en MN

ADEMI

59,913

1,288.7

59,904

1,288.3

100.0%

Región Este

11,601

275.4

11,601

275.4

100.0%

EL SEIBO

1,759

43.5

1,759

43.5

100.0%

HATO MAYOR

2,036

44.4

2,036

44.4

100.0%

LA ALTAGRACIA

2,203

60.6

2,203

60.6

100.0%

LA ROMANA

1,974

48.1

1,974

48.1

100.0%

MONTE PLATA

1,120

21.8

1,120

21.8

100.0%

SAN PEDRO DE MACORIS

2,509

57.0

2,509

57.0

100.0%

16,388

329.9

16,388

329.9

100.0%

4,217

80.3

4,217

80.3

100.0%

12,171

249.6

12,171

249.6

100.0%

13,982

332.8

13,973

332.3

99.9%

477

13.8

472

13.6

98.6%

1,077

26.9

1,077

26.9

100.0%

ESPAILLAT

695

12.2

695

12.2

100.0%

HERMANAS MIRABAL

372

9.6

372

9.6

100.0%

LA VEGA

2,505

65.0

2,505

65.0

100.0%

MARIA TRINIDAD SANCHEZ

1,175

38.6

1,175

38.6

100.0%

MONSEÑOR NOUEL

1,132

22.1

1,132

22.1

100.0%

PUERTO PLATA

866

18.0

866

18.0

100.0%

SAMANA

624

14.0

624

14.0

100.0%

SANCHEZ RAMIREZ

670

19.9

670

19.9

100.0%

SANTIAGO

3,619

76.8

3,619

76.8

100.0%

VALVERDE

770

15.9

766

15.6

98.2%

17,942

350.7

17,942

350.7

100.0%

2,141

41.1

2,141

41.1

100.0%

Región Metropolitana
DISTRITO NACIONAL
SANTO DOMINGO
Región Norte
DAJABON
DUARTE

Región Sur
AZUA
martes, 13 de agosto de 2013

% Cartera x Clasificación de Riesgo

MN

ME

A

41.1
40.7
39.0
40.3
40.7
41.5
41.5
41.5
42.3
42.1
42.4
39.8
38.7
38.6
41.5
37.7
39.0
37.2
40.9
41.5
42.4
36.7
41.7
41.3
41.6
43.1

11.2

88
87
86
91
86
84
92
85
86
82
88
88
89
85
90
98
87
90
89
86
84
93
86
80
90
90

11.2
11.0

11.4

www.scribd.com/JoseAlfredoGuerreroB

B

4
4
4
3
6
4
2
4
5
6
4
4
4
2
2
0
4
2
3
5
6
2
4
6
4
3

C

D

2
2
2
1
2
3
1
2
2
3
2
2
2
3
1
0
3
2
3
2
2
2
2
4
2
2

E

1
2
1
1
2
2
1
2
1
2
1
1
2
2
1
0
1
1
1
1
2
1
1
2
1
1

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

5

99.9

7.7%

6.2

0.5%

82.7

6

23.9

8.7%

2.0

0.7%

20.3

6

3.9

8.9%

0.0

0.1%

3.4

5

2.7

6.1%

0.0

0.1%

2.6

5

5.1

8.4%

0.8

1.3%

4.1

8

5.4

11.2%

0.6

1.3%

4.4

4

1.3

6.1%

0.0

0.0%

1.2

6

5.5

9.7%

0.6

1.0%

4.6

5

26.9

8.2%

1.5

0.5%

22.3

7

9.4

11.7%

0.5

0.7%

7.2

5

17.5

7.0%

1.0

0.4%

15.1

5

28.1

8.4%

1.3

0.4%

22.4

3

1.0

7.2%

0.0

0.0%

0.7

8

3.1

11.4%

0.0

0.0%

2.4

6

0.9

7.7%

0.1

0.7%

0.8

2

0.2

1.8%

0.1

0.8%

0.2

5

5.6

8.6%

0.4

0.6%

4.0

4

2.6

6.8%

0.0

0.0%

2.1

5

1.6

7.4%

0.2

1.0%

1.4

6

1.6

9.1%

0.3

1.6%

1.3

6

1.2

8.7%

0.0

0.3%

1.1

2

0.9

4.4%

0.0

0.0%

0.7

7

7.3

9.5%

0.2

0.2%

6.1

7

2.0

12.5%

0.0

0.0%

1.5

3

20.9

6.0%

1.4

0.4%

17.7

4

2.6

6.4%

0.0

0.0%

2.3

Page 8 of 9

Microcrédito Individual
Región y Provincia

TOTAL
Número

Tasa Interés

En Moneda Nacional
Monto

Número

Monto

% en MN

BAHORUCO

1,265

20.4

1,265

20.4

100.0%

BARAHONA

1,801

34.2

1,801

34.2

100.0%

PERAVIA

1,830

32.7

1,830

32.7

100.0%

SAN CRISTOBAL

6,905

127.0

6,905

127.0

100.0%

SAN JOSE DE OCOA

1,329

24.7

1,329

24.7

100.0%

SAN JUAN

2,671

70.5

2,671

70.5

100.0%

martes, 13 de agosto de 2013

MN

43.3
42.9
42.2
42.2
40.3
38.5

ME

% Cartera x Clasificación de Riesgo
A

87
87
92
87
88
96

www.scribd.com/JoseAlfredoGuerreroB

B

4
6
4
5
4
1

C

D

2
2
1
3
2
1

E

1
1
1
2
1
1

Monto Vencido y % Monto Garantías y
Total Deuda
% Total Deudas

Provisiones
Requeridas

5

1.5

7.5%

0.0

0.1%

1.4

4

2.4

6.9%

0.1

0.2%

1.9

3

1.5

4.5%

0.2

0.6%

1.3

4

9.3

7.3%

0.4

0.3%

7.5

5

1.9

7.8%

0.0

0.0%

1.6

1

1.7

2.4%

0.7

0.9%

1.6

Page 9 of 9